Flood Insurance

Living in Hawaii, California, Arizona, Washington or Oregon you are no stranger to the damage that floods can do. However, have you ever thought about what might happen if that water flooded your home and your homeowner’s policy left you uncovered?

Flood insurance is something many homeowners often overlook. Unfortunately, disaster does strike from time to time and it is important to be prepared. Even a few inches of water in your home can cause serious damage… damage that can result in a lot of money worth of repair and replacement costs.

Your homeowners insurance does not cover floods. If your home were to be damaged by water you would be responsible for the costs unless you have flood insurance. At ACW Insurance, we can provide comprehensive and affordable flood insurance that will protect your property from the devastation that tropical storms, hurricanes and flash flooding can cause in Hawaii, California, Arizona, Washington and Oregon.

When you sit down with one of our qualified agents you can learn more about the different types of policies available based on your property’s location and history:

Standard Flood Insurance: This type of policy was established by the Federal Government to provide flood insurance coverage. In this case, to be considered a flood, waters must cover at least two acres or affect at least two properties before residents can begin to make a claim. Additionally, you will have to apply separately for building coverage and contents coverage.

Preferred Risk Flood Insurance: If you are located in a low or moderate risk zone, you may qualify for a low-cost preferred risk policy. This type of policy will protect your home in the event you are affected by a small flood or even a larger flood. The majority of flood insurance claims occur in these areas and Hawaii residents are encouraged to consider this option.

There is no good reason to keep yourself and your home at risk. Living in Hawaii, California, Arizona, Washington and Oregon comes with weather that is often unpredictable and your flood insurance should not be. Contact one of our experts at ACW Insurance today at 855-572-7622 and we will work together with you to be sure you are protected.